Union Savings Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income rose 6.8% from Q1 2026 to Q2 2026, ending at -$2.9M against -$3.1M. It was the largest change among the key lines on this page. Union Savings Bank ranks 93rd of 198 Illinois banks on CET1 ratio, in the upper half at 15.59% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Union Savings Bank sits 0.52 points higher, at 15.59% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.59% |
| Tier 1 risk-based capital ratio | 15.59% |
| Total risk-based capital ratio | 16.42% |
| Tier 1 leverage ratio | 9.52% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $17.3M |
| Tier 1 capital | $17.3M |
| Total risk-based capital | $18.3M |
| Total equity capital | $14.4M |
| Risk-weighted assets | $111.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.94% |
| Tangible equity to tangible assets | 7.94% |
| Equity capital to average assets | 7.94% |
| Internal capital growth rate | 2.89% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $900K |
| Retained earnings | $16.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.28% | — |
| Q4 2023 | — | — | — | 9.25% | — |
| Q1 2024 | 15.08% | 15.08% | 15.92% | 8.93% | $110.5M |
| Q2 2024 | 14.42% | 14.42% | 15.22% | 9.07% | $115.5M |
| Q3 2024 | — | — | — | 9.43% | — |
| Q4 2024 | 14.80% | 14.80% | 15.64% | 9.30% | $112.5M |
| Q1 2025 | 15.46% | 15.46% | 16.32% | 9.23% | $108.0M |
| Q2 2025 | 14.41% | 14.41% | 15.19% | 9.28% | $116.4M |
| Q3 2025 | 15.50% | 15.50% | 16.34% | 9.49% | $109.1M |
| Q4 2025 | 14.88% | 14.88% | 15.67% | 9.43% | $114.6M |
| Q1 2026 | 15.55% | 15.55% | 16.36% | 9.55% | $110.8M |
| Q2 2026 | 15.59% | 15.59% | 16.42% | 9.52% | $111.2M |
Union Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Union Savings Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Union Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29121) · FFIEC NIC profile (RSSD 817477)